Best Splitwise Alternatives for iPhone (October 2026)

Most people start looking for a Splitwise alternative at a bad moment: mid-trip, after hitting the free plan's daily cap, with a pile of receipts in their pocket. If that's you, our explainer on the Splitwise daily limit covers the quick workarounds.

This page is for the next step: choosing where to go. Settleo is our app, so weigh our take accordingly. We've tried to describe every option, including ours, with its real limits.

How we compared

We looked at what matters when you're actually splitting money with people:

• Free limits: caps on expenses, groups or features
• Ads: whether the free version shows them
• Receipt scanning: included, paid, or missing
• Currencies: whether a trip abroad works without a calculator
• Offline: whether you can log an expense with no signal
• Accounts: whether every friend has to sign up
• Export: whether you can get your data out

All prices and limits are as of October 2026 and come from each app's official store page or help center where we could find one. Prices change, and they vary by country, so check the linked page before you commit.

The options at a glance (as of October 2026)

• Tricount: free for everyone, according to its help center; owned by bunq; has a Splitwise importer.
• Splid: free to start; a one-time purchase unlocks more groups and export. Sources disagree on the exact price, so check the store page.
• Settle Up: free with in-app purchases, per its App Store listing; the paid tier removes ads and adds receipt photos and recurring expenses.
• Venmo Groups: free inside Venmo; US and USD only; up to 30 members per group, per Venmo's help center.
• Spliit: open source; its makers say it offers Splitwise import and no ads (self-reported).
• A shared spreadsheet: free and flexible; no app, but no phone-friendly logging either.
• Settleo: iPhone only, coming to the App Store; free plan with no ads and up to 3 active groups you create.

Tricount: best for Europe-heavy groups

Tricount is owned by bunq, a European bank. As of October 2026, its premium tier has been discontinued and the new app is described as free for everyone (Tricount's new app page).

Good for: groups traveling in Europe, mixed Android and iPhone groups, anyone who wants free and simple.

Trade-offs: in app reviews we analyzed, some users complained about sync issues and lost data. That's not unique to Tricount, but it's worth exporting after a big trip.

Switching from Splitwise: Tricount has a Splitwise importer, which makes it one of the easier moves.

Splid: best for small, simple groups

Splid keeps things minimal. One group is free to start, and a one-time purchase unlocks more groups and Excel export. Reports of the exact price differ, so check the App Store before you buy.

Good for: a couple of friends on a weekend trip, people who hate subscriptions.

Trade-offs: in reviews we analyzed, a share of complaints were about export changes. Users also praise how simple it is, which is the whole point.

Settle Up: best if your group mixes Android and iPhone

Settle Up has apps on both platforms and offers a subscription or a lifetime option. As of October 2026, third-party pricing roundups list it at about $3.99 a month or $19.99 a year, and the paid tier removes ads and adds receipt photos and recurring expenses. The App Store listing shows it as free with in-app purchases, so confirm the price in the app.

Some people on Reddit point to Settle Up as the free fallback when Splitwise asks them to pay (r/AskIndia).

Trade-offs: in reviews we analyzed, some users disliked being made to create an account, and a few mentioned "settle up" emails reaching their friends without being asked.

Venmo Groups: best when everyone is in the US and pays in dollars

Venmo added Groups in late 2023. As of October 2026, its help center says a group can have up to 30 members, expenses can be split automatically, you can adjust or exclude members, and you can mark items as paid (Venmo help: managing group expenses).

Good for: US friends who already pay each other on Venmo.

Trade-offs: Venmo is US-only and dollar-only, so it's not built for a trip abroad. It's also a payments app first, so every friend needs a Venmo account.

Spliit and other indie options

Every few weeks a new free splitter shows up on Reddit, often built by someone who got annoyed at a cap. Some run in the browser and need no signup (r/developersIndia).

Spliit is the best-known open-source one. Its team says the cloud version imports Splitwise groups, has no ads and no expense limit (r/foss). We haven't verified those claims, so treat them as self-reported.

Trade-off to keep in mind: small projects can disappear. Export regularly.

A shared spreadsheet

Plenty of people say an app is overkill for basic arithmetic, and for a stable roommate house they're often right. A Google Sheet with columns for date, what, who paid, amount and who's included can run for years.

Where it breaks: logging on a phone with weak signal, partial participation, receipts, currencies, and the one person who forgets to fill it in.

Settleo (iPhone, coming to the App Store)

This is the app we make. It's iPhone only and not on the App Store yet; it's in TestFlight and there's a waitlist.

What the free plan includes: receipt scanning on the phone, all five split methods (equally, by item, by percent, by shares, exact amounts), about 160 currencies, PDF export, reminders, and no ads. You can have up to 3 active groups you create, and joining other people's groups is unlimited. There are no third-party analytics or ad SDKs in the app.

Pro: $3.99 a month or $29.99 a year in the US, which adds unlimited groups you create and spending by category.

Good for: iPhone-only groups who scan receipts and travel abroad. US groups can pay through a Venmo hand-off (US and USD only).

Who should not pick it: anyone with friends on Android, and anyone who wants a web app. Friends need an iPhone and need to sign in to join a group. It also doesn't import Splitwise data.

Which one fits you

• Everyone in the US, paying in dollars, already on Venmo: Venmo Groups.
• International trip with several currencies: Tricount, or our app if the whole group uses iPhone. Our guide to tracking travel expenses across currencies covers the method.
• Mixed Android and iPhone group: Settle Up or Tricount.
• Roommates with monthly bills: Splitwise free may be enough; otherwise Tricount or a spreadsheet.
• One-off dinner: a calculator, or any app that shares a single bill.
• Trips with weak signal: pick an app that logs offline; see our notes on offline expense tracking.

For head-to-head details on the bigger names, see Splitwise vs Splid vs Tricount vs Settle Up.

How to move your Splitwise history

Fear of losing history is one of the most common reasons people hesitate to switch. A few steps make it painless:

1. Settle up first. Get every balance to zero, or write down the final numbers.
2. Export. The Splitwise App Store listing mentions CSV export as of October 2026. Check whether it's available on your plan.
3. Import where you can. Tricount has a Splitwise importer, and Spliit says it does too.
4. Keep the file anyway. If your new app doesn't import (ours doesn't), the CSV or a PDF is your record.
5. Start fresh with the next trip. It's often easier than migrating a live group.

FAQ

What is the best free alternative to Splitwise?

As of October 2026, Tricount says its app is free for everyone, which makes it the most straightforward free option. If your whole group uses iPhone, our app's free plan has no ads and includes receipt scanning, once it's on the App Store.

Is there a Splitwise alternative with no ads?

Yes. Tricount describes its app as free, Settle Up's paid tier removes ads, and our app has no ads on any plan. Check current store pages, since ad policies change.

Can I import my Splitwise data into another app?

Some apps can. Tricount offers a Splitwise importer, and Spliit says it imports Splitwise groups. Many others don't, so export a CSV before you leave.

Which alternative works with Android and iPhone in one group?

Settle Up and Tricount both have apps on Android and iPhone. Settleo is iPhone only.

Does Venmo replace Splitwise?

For simple US groups, Venmo Groups can. It splits expenses and handles payment in one place. It doesn't work outside the US or in other currencies, so it's a poor fit for trips abroad.